Equifax updated the status to Account Transferred or Sold;Claim Filed With Government; Balance Paid or Being Paid by Insurance Company; Variable/Adjustable Rate.
So they left the original status/information and added what I told them in the little online disput box on to the beginning showing it was transferred or sold, as it should be since I consolidated. Left the other status and left all the late pay status.
So I have compiled a list of documents showing who the lender was, who the servicer was, who the Guaranty Agent was, provided that information to both Equifax and Experian now and have written a letter of dispute to include to the credit bureaus that state no where in the documents I have for any of my student loans is it ever referenced the default was cured by Government Claim/Insurance and that it only references the consolidation efforts. I also reference that the Guarnty Agency is the one who made the offer of removing all late and negative information from the reports since they were the ones performing the rehabilitations.
I further referenced the FTC ruling against Sallie Mae in regards to how they applied payments to maximize late fees and incur late payaments on accounts during this time frame. I also pointed out, that none of the documents for the NSLDS or my Consolidation list Sallie Mae as a Guarantor, Creditor, Agent, Agency or as haivng anyting to do with the loans and requested the accounts be completely removed.
I guess I wait and see what the two counter disputes I've made do.
At the end of the day, I also can prove that the 8 Sallie Mae accounts are a direct correlation to the 8 Citi Student Loan accounts still reporting and that Sallie Mae claims information, posted dates (loan open dates, loan default dates) that occured while Citi still had control over the accounts.
